No, you are not alone. I have the same problem. Over the years, I've figured out that I need to be invested in my characters. Otherwise, they rarely survive more than one play session. Hence, I always plan my build, gear, race, and personality in that order. Deviating from that plan kills the character.
My currently only champ is a bimbo cowgirl. I chose this since it's pretty basic and I didn't have to overthink everything again. Initially, she was a charmer, but I got my ass kicked in the Undermountain. That was back when threat was just a suggestion. I was the main healer, but I couldn't keep up with the spread of damage. After lots of thinking, I decided to change to White Mage for healers hands. Welp, 5 days later, the threat rework came, and it felt like a punch in the gut. The character wasn't what I planned her to be, and she felt dead to me. I didn't want to change back to Charmer either. After that experience, I didn't play for a year or so. I just tried the new combat stuff with test characters. When I started playing again, I reluctantly made her into a leadership warrior build. I kind of roleplayed as Brints girlfriend, pretending to be a knight. I had a lot of fun with the new build, and the Lumia soulbind was the perfect option for her, even though I never planned on soulbinding at all. All is well, that ends well. But this was the only of my many, MANY characters that survived an unforseen change in build.
That being said, I build new champs to cover content I haven't experienced yet. Which is problematic since I try to be everything at once. At the moment, I kind of want to do a spellblade, but I wanted to save that build for the Nareva soulbind. Nareva mage mander is cool too, so I guess I will do Gothmander Blackmage instead. But also Dark Knight because of new experiences. Kassyra faithfull charmer maybe? But what about my Mongolian archer-inspired Marefolk pure range thief? Also, I need to playtest that stupid tanky warrior build. Perfect positioning is cool too, and my Kitsune spear master is long overdue. Oh yeah, and I need to knock up everything because mayternity started. Not to forget the dual-wield stuff I want to try out. And I want to be a tiger, but lizardfolk are cool too, but I'm vibing with Siorcanna right now. Oh, but Nash sells odd-looking salve, which means I could roleplay a Deathclaw from Fallout, but horny. In the end, I discourage myself because nothing feels right or fun anymore.
To close this up, a funny anecdote: The game "stole" my already planned character three times in a row. I theorycrafted a spellblade with the spiraled blade as the main weapon, a day later, hexblade Cait got released. Then I prepared a charmer catfolk dancer character. Boom, dancer set for Cait. A bit miffed, I planned a Taleer big booty bunny buttslut ranger build, and low and behold, Sariel gets implemented into the game.